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Terms & Conditions

Please read the following Terms of Use carefully before continuing. By accepting use of our Website, you acknowledge your acceptance of these terms:

1. Please read the following Terms of Use carefully before continuing. By accepting use of our Website, you acknowledge your acceptance of these terms:

These Terms govern your use of the VIRTUAL INSURANCE TOOLS, LLC ("VIT") Web portal environment, which provides an easy-to-use, comprehensive online destination offering services and products tailored to the specific needs of our users (the "Program" or "Service"). This includes, but is not limited to, information, products and services for e-commerce insurance quoting technology for insurance agents to provide online quotes to their clients. These Terms, together with any such additional terms and conditions, are referred to as the "Terms".

2. MODIFICATION OF TERMS:

The VIT Web site is owned by Virtual Insurance Tools, LLC. ("Company"). The Company reserves the right, in its sole discretion, to change, modify, add, or remove portions of these Terms at any time, effective immediately upon notice published on the Site. We suggest that you check these terms periodically for changes. Your continued use of the Web site constitutes your binding acceptance of these terms and conditions, including any changes or modifications made by the Company as discussed above. If at any time these Terms are no longer acceptable to you, you must immediately cease all use of the Web site.

3. MODIFICATION OF WEBSITE, PROGRAM OR SERVICES:

The Company may change, suspend or discontinue any aspect of the Website, Program or Service at any time, including the availability of any Website, Program or Service, features or Content. The Company may also impose limits on certain features and services or restrict your access to all or parts of the Website, Program, or Service without notice or liability.

4. SUBSCRIPTION POLICY:

Subscriptions are month-to-month. You may cancel your subscription at any time and such cancellation will go into effect the first day of the following month. There is no refunds for a partial month of service. Service will continue from the cancellation date through the last day of that month.

5. PRIVACY POLICY:

Any registration data and certain other information about you are subject to our privacy policy. For more information, please view our privacy policy.

6. USE OF CONTENT:

You acknowledge that the Website, Program or Service may contain information, software, calculators, quoting tools, photographs, audio and video clips, graphics, links and other material (collectively, the "Content") that are the property of the Company or third parties who have authorized the appearance of their Content on this Site. U.S. and international copyright, trademark or other intellectual property laws protect all Content. All rights in Content are reserved by the Company. You agree to comply with any additional copyright notices, information, or restrictions contained in any Content available on or accessed through the Website, Program or the Service. Users of the Website, Program or Service may use the Content only as authorized by the Company.

You shall not store electronically any significant portion of any Content. Except as expressly permitted by copyright laws, no copying, storage, redistribution or publication of any Content is permitted without the express written consent of the Company or the owners of such Content or their authorized representatives, if other than the Company.

You may not modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, display, or in any way exploit any of the Content, in whole or in part, except as expressly permitted in these Terms. Content consisting of downloadable software may not be reverse engineered unless specifically authorized by the Company.

You, not the Company or the party credited as the provider of the Content, are liable for any damage resulting from any infringement of copyrights, proprietary intellectual property rights or any other harm arising from your failure to abide by the provisions by this section.

7. MANAGING CONTENT:

You may post using the Company's Program or Service any Content for which you have received express permission from the owner. You assume all risk and responsibility for determining for the accuracy of the Content. You grant to the Company an irrevocable, perpetual, non-exclusive, fully-paid, worldwide license to use the Content for the purposes of the Program or Service. You represent and warrant that you are authorized to grant all rights set forth in the preceding sentence.

The Company does not and cannot review all Content posted by users on the Program or Service and is not responsible for such Content. However, the Company reserves the right to delete, move or edit any Content that it may determine, in its sole discretion, violates these Terms or is otherwise unacceptable. You shall remain solely responsible for all Content posted by you. The Company shall have the right, but not the obligation, to correct any errors or omissions in any Content, as it may determine in its sole discretion.

You are solely responsible for all Content you post on the Program or Service. You can be held legally liable for all Content you post on the Service. Without limiting the foregoing, you may be held legally accountable if any Content you post on the Service without the permission of the author or owner, or defamatory comments. The Company is not responsible to you for any loss of data resulting from network or system outages, file corruption, viruses or any other reasons.

8. RULES OF CONDUCT FOR POSTING CONTENT:

You shall not post on the Service any Content that is

Inaccurate or for which you do not have permission to post;
libelous, defamatory, obscene, pornographic, abusive, harassing or threatening;
contains viruses or other contaminating or destructive features;
violates the rights of others, such as Content that infringes any copyright, trademark, patent, trade secret or violates any right of privacy or publicity; or
otherwise violates any applicable law. You may not post on the Program or Service any links to any external Internet Sites that are obscene or pornographic. You shall not use the Program or Service for any commercial purpose, to distribute any advertising or solicitation of funds or goods and services or to solicit users to join competitive online services.

9. ENDORSEMENT

The Company does not represent or endorse the accuracy or reliability of any Content posted and you acknowledge that any reliance upon such Content shall be at your own risk. Any Content placed online by users are the views of the user posting the statement, and do not represent the views of the Company.

The Program or Service may contain links to Sites on the Internet which are owned and operated by third parties (the "External Sites"). You acknowledge that the Company is not responsible for the availability of, or the Content located on or through, any External Site. You should contact the Site Administrator or Webmaster for any such External Site if you have any concerns regarding such links of the Content located on such External Site.

10. LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES:

NEITHER THE COMPANY, NOR ANY OF ITS RESPECTIVE OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, SUPPLIERS, CUSTOMERS OR ANY CONTRIBUTOR, (COLLECTIVELY THE "COMPANY PARTIES") GUARANTEES THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY OF THE CONTENT, NOR ITS FITNESS FOR ANY PARTIULAR PURPOSE. NONE OF THE COMPANY PARTIES WILL BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON INFORMATION OBTAINED THROUGH THE SERVICE. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, INSTRUCTION, OPINION OR ADVICE CONTAINED IN THE CONTENT.

THE SERVICES BEING PROVIDED TO YOU ARE ON AN "AS IS" AND "BEST EFFORTS" BASIS. NONE OF THE COMPANY PARTIES WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR FREE OR THAT THE SERVICE AND THE SERVER ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL ELEMENTS. NONE OF THE COMPANY PARTIES MAKE ANY WARRANTIES WITH RESPECT TO ANY RESULT THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE. ALL THE COMPANY PARTIES HEREBY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICE AND THE CONTENT, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTY OF MERCHANTABILTIY AND FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGMENT OF THIRD-PARTY RIGHTS.

NO ADVICE, INSTRUCTION OR INFORMATION GIVEN BY ANY OF THE COMPANY PARTIES SHALL CREATE A WARRANTY, NOR SHALL YOU RELY ON SUCH INFORMATION, INSTRUCTION OR ADVICE. IN NO EVENT, SHALL ANY OF THE COMPANY PARTIES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO THE CONTENT OR SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY. BECAUSE SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR LIMIATIONS OF LIABILITY FOR NEGLIGENCE, CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH JURIDICTIONS THE COMPANY PARTIES LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICE IS TO STOP USING THE SERVICE.

11. INDEMNITY:

You agree to indemnify, defend and hold harmless the Company and its employees, officers, members, directors, owners, agents, information providers, Customers and licensors, to the fullest extent lawful, from and against all loss, liability, claim, damage, cost, judgment, penalty and expense (including all attorney's fees), promptly as incurred, directly or indirectly based upon, or arising out of the Program or Service, or in connection with your violation of these Terms. The Company reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with the Company's defense of such claim and to reimburse the Company for the costs and expenses of such defense.

12. TERMINATION OF SERVICE BY COMPANY

You agree that the Company, in its sole discretion, may terminate your access or use of the Service, and remove and discard any Content within the Service, for any reason, including, without limitation, for lack of use or if the Company believes that you have violated or acted inconsistently with the Terms. The Company reserves the right, in its sole discretion, to restrict, suspend or terminate your access to all or any part of the Service at any time for any reason without prior notice or liability. The Company may suspend or discontinue all or any aspect of the Service at any time, including the availability of any feature, program, service, database, or Content, without prior notice or liability.

13. DEALING WITH THIRD PARTIES & AFFILIATE RELATIONSHIPS

Your correspondence or business dealings with, or participation in the promotions of third parties found on or through the Service, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party or affiliate. You agree that the Company shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such third parties on the Service.

14. MISCELLANEOUS

These Terms shall be construed in accordance with the laws of the State of Iowa, without reference to conflicts of laws principles. By use of the Website, the parties irrevocably consent to the exclusive jurisdiction in the federal or state court of Polk County, Iowa, and waive all defenses to such exclusive jurisdiction, including but not limited to, lack of personal jurisdiction or that it is an inconvenient forum. These Terms constitute the entire agreement between you and us with respect to the subject matter hereof. The rights and obligations provided herein may not be assigned or delegated. If any inconsistency exists between the terms of these Terms and Conditions and any additional terms and conditions posted on the Service, such terms shall be interpreted as to eliminate any inconsistency, if possible, and otherwise, the additional terms and conditions shall control.

Privacy & Policy

VIRTUAL INSURANCE TOOLS, LLC ("VIT") values the privacy of its Web portal and the viewers of its Web site. Any of the following personal information that may be made available to VIT when browsing or navigating the site shall be kept confidential:

First and last name

Company, home, postal or other physical address

Other contact information, for example, telephone number, fax number, email address, and other similar information

Title or position in a company or an organization

Occupation

Industry

Personal interests

Any other information needed to provide a service you requested including financial information.

Examples of scenarios where our visitors provide their personal information include, but may not be limited, to:

Emailing, calling or communicating with VIT.

Posting a question or comment through our website.

Requesting literature.

Registering to attend a seminar or any event.

Participating in an online survey.

Requesting inclusion in an email or other mailing list.

Submitting an entry for a contest or other promotions.

Logging in to the site, thus requiring a user name and/or a password.

Any other business-related reason.

VIT does not intend to transfer your personal and business information to third parties without your consent, except under the limited conditions described under the discussion entitled "Information Sharing and Disclosure" below. If you choose to provide us with your personal information, we may transfer that information, within VIT or to a third party service provider as necessary.

Domain Information Collection

VIT may collect domain information to enable us to analyze how our visitors use this site. This data enables us to become more familiar with which people visit our site, how often they visit, and what parts of the site they visit most often. VIT uses this information to improve its Web-based offerings. This information is collected automatically and requires no action on your part.

Password and Account

You are solely responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. VIT is not responsible for third party access to your account that results from fraud, theft or other misappropriation of your account. VIT may cancel your account in its sole discretion.

Use of Cookies and Tracking User Traffic

Some pages on this site may use "cookies"— small files that the site places on your hard drive for identification purposes. A cookie file can contain information such as a user ID to track the pages visited, but the only personal information a cookie can contain is information you supply yourself. These files are used for site registration and customization the next time you visit us. Some parts of the site may also use cookies to track user traffic patterns. VIT does this in order to determine the usefulness of our Website information to our users and to see how effective our navigational structure is in helping users reach that information. Please note that cookies cannot read data off of your hard drive. Your Web browser may allow you to be notified when you are receiving a cookie, giving you the choice to accept it or not. If you prefer not to receive cookies while browsing our Web site, you can set your browser to warn you before accepting cookies and refuse the cookie when your browser alerts you to its presence. You can also refuse all cookies by turning them off in your browser, but by not accepting cookies, some pages may not fully function and you may not be able to access certain information on this site.

Information Sharing and Disclosure

Your personal and business information is not shared outside VIT without your permission, except under conditions listed below:

You consent to share your information to a third party service provider working on our behalf to serve you.

Requiring us to provide you with a third party product or service.

In the event our Company is sold to a third party purchaser.

VIT may also disclose your personal or business information, if required to do so by law, or in urgent circumstances, to protect personal safety, the public or our sites.

Internet Security

VIT strives to protect your personal information; however, we urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters.

Protecting the Privacy of Children

Children under 13 years old are not the target audience for our Website. To protect their privacy, VIT does not solicit the personal information from these children. If you are under the age of 18, you may not use the VIT Website without the supervision or permission of your parent or guardian.

Links to Third Party Sites

The VIT site may contain links to other sites. VIT does not share your personal information with those Websites and is not responsible for their privacy practices. We encourage you to learn about the privacy policies of those companies if necessary.

Changes to this Privacy Policy

VIT reserves the right to change, modify or update this policy at any time without notice. Any substantial changes in the way we use your personal information will be posted on this site. If you have questions or concerns about our Privacy Policy, please email us at the contact information on the site.